CVME
ActiveCVME has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131k and a net result of €15k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 15% of 2039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-14
Solvency39▼-15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.42 in 2024; short-term debt: 76.3% and cash: 3% of total assets), and 85.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.2%
Return on assets
1.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2039 sector peers (2025).
NBB · sector comparisonPosition among 2039 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
5 d early
2022
1 d early
2021
28 d late
2020
3 d early
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 68.2%
2024 · €46k
2019: €-84k
2020: €432
2021: €77k
2022: €19k
2023: €28k
2024: €46k
2019 → 2025
Working capital
€105k▼ 44.2%
2024 · €187k
2019: €28k
2020: €26k
2021: €114k
2022: €113k
2023: €140k
2024: €187k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€148k▲ 14.4%€176k▲ 19.0%€222k▲ 26.1%€131k▼ 41.0%
Operating result€96k-€33k▼ 65.2%€51k▲ 53.0%€79k▲ 54.9%€40k▼ 49.5%
Net result€77k-€19k▼ 75.8%€28k▲ 50.8%€46k▲ 63.4%€15k▼ 68.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €922k
Fixed assets
€114k▼ 23.4%
Current assets
€808k▲ 28.6%
Equity and liabilities €922k
Equity
€131k▼ 41.0%
Debt
€791k▲ 42.5%
The debt ratio rises from 71.5% to 85.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€74k▼
2024 · €112k
Cash flow
€49k▼
2024 · €79k
Solvency
14.2%▼
2024 · 28.5%
Current ratio
1.15▼
2024 · 1.42
Quick ratio
0.59▼
2024 · 0.76
Debt / equity
6.05▲
2024 · 2.50
ROE
11.1%▼
2024 · 20.7%
ROA
1.6%▼
2024 · 5.9%
Interest coverage
4.92▼
2024 · 9.00
Debt
€791k▲
2024 · €555k
Debt ≤ 1 year
€704k▲
2024 · €441k
Debt > 1 year
€79k▼
2024 · €114k
Income taxes
€10k▼
2024 · €21k
Staff costs
€441k▼
2024 · €458k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€777k€922k▲
Fixed assets21/28€148k€114k▼
Tangible fixed assets22/27€136k€101k▼
Plant, machinery and equipment23€856€342▼
Furniture and vehicles24€72k€53k▼
Leasing and similar rights25€21k€14k▼
Other tangible fixed assets26€43k€34k▼
Financial fixed assets28€13k€13k=
Current assets29/58€629k€808k▲
Stocks and contracts in progress3€292k€392k▲
Stocks30/36€292k€392k▲
Amounts receivable within one year40/41€270k€372k▲
Trade receivables40€247k€335k▲
Other amounts receivable41€23k€37k▲
Cash at bank and in hand54/58€50k€27k▼
Deferred charges and accrued income490/1€17k€17k▲
Equity and liabilities
Total equity and liabilities10/49€777k€922k▲
Equity10/15€222k€131k▼
Contributions10/11€6k€6k=
Reserves13€215k€125k▼
Distributable reserves133€215k€125k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€555k€791k▲
Amounts payable after more than one year17€114k€79k▼
Financial debts170/4€114k€79k▼
Amounts payable within one year42/48€441k€704k▲
Current portion of amounts payable after more than one year42€35k€32k▼
Financial debts43€100k€110k▲
Credit institutions430/8€100k€110k▲
Trade debts44€163k€359k▲
Suppliers440/4€163k€359k▲
Taxes, remuneration and social security45€99k€50k▼
Taxes450/3€35k€7k▼
Remuneration and social security454/9€64k€43k▼
Other amounts payable47/48€44k€153k▲
Accrued charges and deferred income492/3€83€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€458k€441k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€35k▲
Other operating charges640/8€8k€9k▲
Gross operating margin9900€577k€525k▼
Operating profit (loss)9901€79k€40k▼
Financial income75/76B€279€178▼
Recurring financial income75€279€178▼
Financial charges65/66B€12k€15k▲
Recurring financial charges65€12k€15k▲
Profit (loss) for the period before taxes9903€67k€25k▼
Income taxes67/77€21k€10k▼
Profit (loss) for the period9904€46k€15k▼
Profit (loss) for the period to be appropriated9905€46k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€15k▼
Transfer from equity791/2-€105k
Transfer to equity691/2€46k€15k▼
To other reserves6921€46k€15k▼
Profit to be distributed694/7-€105k
Return on contributions (dividend)694-€105k
Social balance
Average headcount (FTE)90878.48.4=
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Equity above €200kEq €222k ▲26.1%
5 profitable years in a row build equity to €222k.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Equity above €150kEq €176k ▲19%
4 profitable years in a row build equity to €176k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 28 days late
2021
30-06
Financial
Highest result since 2019net €77k ▲17682%
Operating result €96k, net result €77k, both a record.
30-06
Financial
Equity above €100kEq €129k ▲147%
2 profitable years in a row build equity to €129k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Back to profitnet €432
Net result €432 after one loss-making year.
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Jemeppe-sur-Sambre · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Praules,Ham 495190 Jemeppe-sur-SambreGround area
2,788 m²
Building footprint
238 m²
Volume, LiDAR
1,322 m³
2 parcels, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CVME
since 20102.188.624.064
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92061B0086/00G005 | Wallonia | 2,462 m² | 1 · 195 m² | 8.2 m · 2 fl. |
| 92061B0084/00P000 | Wallonia | 326 m² | 1 · 43 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
3 categoriesCVME SRL40510
Similar companies · same sector, comparable size
MNK ENERGY
BE 0803.250.367
Jemeppe-sur-Sambre · Eq €131k
Climadesign
BE 0707.728.232
Beveren-Kruibeke-Zwijndrecht · Eq €131k
VLIEGEN RAF
BE 0447.814.851
Herk-de-Stad · Eq €131k
WOUTER DUPONT
BE 0439.640.424
Mechelen · Eq €131k
VDVS VERWARMING
BE 0888.618.681
Londerzeel · Eq €131k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2010
Fiscal year end30-06
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
46842Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.